Negotiation will not be accepted for overdue credit cards. If you go to the China Banking and Insurance Regulatory Commission or a third-party financial charity organization to report or request assistance, you should first call to report. This is a point, but calling to report is effective for some people. It doesn't work for some people, and it's not enough to call the reporting hotline once or twice. You have to call more often and explain the actual situation to them. Regarding the issue of what to do if your credit card is not accepted for negotiation after it expires, the editor will answer it in detail for you below.

1. What to do if your overdue credit card is not accepted for negotiation 1. If you go to the China Banking and Insurance Regulatory Commission or a third-party financial charity organization to report or request assistance, you should first call to report. This is one point, but calling to report It works for some people, but it doesn't work for some people. Moreover, calling the reporting hotline once or twice is not enough. You have to call them more often and explain the actual situation to them. 2. Through the intervention of the China Banking and Insurance Regulatory Commission, the bank may take the initiative to negotiate with you. But now I find that many banks have recently had more overdue people, so their internal collection staff must be limited, so it does take some time to deal with it.

2. What should you do if you are sued by the bank for credit card debt? 1. If you are sued for not paying the credit card debt, you can negotiate privately with the other party to repay the debt in installments and then reach mediation. 2. If you owe a credit card and file a lawsuit with the bank, you may not necessarily go to jail. This depends on the specific circumstances. 3. Failure to repay a credit card debt when due shall constitute a breach of contract in civil law, and the debtor shall bear corresponding liability for breach of contract in accordance with the terms of use of the credit card. 4. Under normal circumstances: If the cardholder maliciously overdrafts more than 50,000 yuan of credit for the purpose of illegal possession, and if the card-issuing bank still fails to return the money more than 3 months after two collections by the card-issuing bank, he will be held criminally responsible for credit card fraud.

3. What consequences will you face if your credit card is overdue? 1. Overdue credit card fees. The so-called late payment fees for credit cards refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. 2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18. 3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record. 4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder. 5. Criminal liability for malicious overdraft. Everyone still needs to consume rationally when using credit cards. If you owe too much on your credit card and are unable to repay it, you need to negotiate a settlement with the bank to avoid being sued by the bank. The bank's winning rate is very high. The above is the content compiled by the editor. If you encounter a dispute, you still need to analyze the specific issues in detail. If your problem cannot be solved, you can consult a creditor and debt lawyer.